Daniel Montoya

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5 Money-Saving Tips That Improved Our Finances—and Our Marriage

Nearly all marriages come with financial challenges. Big or small, money issues are going to come up and it can be stressful. Whenever we are feeling …

Budgeting and Personal Finance

Updated April 24, 2018<p>Budgeting is the primary way that you can take control of your finances. Simply put, a budget is a written plan for how you …

How to Fix a Mistake on Your Credit Report

If you find an error on your credit report, you should fix it before your credit score takes some serious damage.<p>You've probably heard that it's a …

When Do Negative References Get Removed From Your Credit Report?

These days, an individual’s successes, education, and even personality traits can all be found on “records.” We utilize LinkedIn accounts to spell …

6 Stealthy Credit Report Errors You Can Quickly Eliminate

Financial institutions rely on one major determining factor when deciding whether or not to give you a loan (or a loan with favorable terms, at …

Credit Report

The Easy Way to Measure Bitcoin's Fair Market Value: a Do-It-Yourself Guide | Investopedia

How do you determine the fair market value of a currency that has appreciated faster than the shares of even the hottest technology stocks? This …

10 life hacks for improving your credit score

For most of us, credit is a necessary reality of life. It is difficult to save for larger purchases and almost impossible for most people to pay cash …

How to Read a Credit Report, and Why You Really Need To

Checking your credit report and knowing what to look for is more important than ever.<p>Your credit reports from <b>Equifax</b>, <b>Experian</b>, and <b>TransUnion</b> contain …

Identity Theft

10 Good Financial Rules of Thumb

Rules of thumb can be a good approximate guideline for decisions, and there are tons of money rules that aim to get your finances on track. While …

10 Ways to Find Someone's Email Address for Free

Why pay when you can get it for free<p>I recently extolled the virtues of cold emailing, a powerful tool for making valuable connections with other professionals and unicorn investors. But, to be successful, that means you need the email addresses of the people you would like to contact.<p>Sure, you …

Google Search

Fixing Your Credit By Yourself

Having a bad credit report and score can throw a big wrench into your financial life.<p>You’ll have more difficulty obtaining loans and credit cards …

How to Create a Budget

If you're a budgeting newbie, fear not: Here's your step-by-step guide to getting your finances in order.<p>If you've never followed a budget before, …

Personal Finance

How to Tackle Charge-Offs On Your Credit

Your credit rating was stellar until a charge-off showed up. Now, your score is in the trenches and it seems impossible to get approved for a loan. …

How to Read Your Credit Report

In a data-driven world, your credit record is your reputation, and false information can have deep repercussions. Bad credit can stop a loan cold. A …

How To Organize Your Day To Set Yourself Up For Success

Starting small makes a big difference.<p>If you’re constantly frazzled on the job, logging super-long hours with little to show for it at the end of the day, chances are good that you’re mismanaging your time. But the good news is it’s easy (enough) to reorganize your schedule and get back on a …

6 Ways You're Being Manipulative Without Even Knowing It

Almost everyone has felt subject to manipulation at one time or another, but no one wants to think of themselves as a manipulative person. But some …

Relationships

40 questions to ask before you accept a job offer

Congratulations! You’ve made it through the most difficult part of the job hunt. All the job applications, interview rounds, and thank-you notes have …

Here's the Trick to Making Golden, Juicy Chicken Breast

<b>Pat the chicken dry and season with salt and pepper.</b> Thoroughly dry the chicken on all sides with paper towels. Season with the salt and pepper on …

Recipes

13 Questions That Will Change Your Life

A great life runs on questions, not answers.<p>When things aren’t going quite the way you’d like them to, it’s often the result of not asking yourself …

Self-improvement

5 Daily Habits of the Happiest, Most Successful People

Appreciate what is, rather than complaining about what "should be."<p><i>What is a life hack that you think everybody should know? originally appeared on Quora - the place to gain and share knowledge, empowering people to learn from others and better understand the world.</i><p><b>Answer by Mira Zaslove, start-up</b> …

Keywords Are Boring -- Tell Your Story, Instead

Shutterstock<p>As long as you cling to the mistaken belief that the best way to get a job is to lob applications into online portals, your flame will …

Here's the email you should send to everyone you know when you're looking for a new job

As in: I'm single, but I'd like to be in a relationship. Or: I have a job, but it's not really fulfilling, and I'd like a different one.<p>On a rational level, everyone knows this is ridiculous. In all likelihood, the person you're talking to is dealing with their own life imperfections, and will …

Employment

The Single Trait That Determines Your Success In Relationships & Attractiveness To Others

People fall into one of three categories according to Adam Grant, author of the runaway best-seller <i>Give and Take: A Revolutionary Approach to</i> …

4 Actions to Immediately Increase Your Confidence

Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Each of us wants change in our lives. We want to become a highly acclaimed speaker, a best-selling author. We want to move up the ladder at work, or build a business empire. We want to introduce ourselves to an important person or ask for …

Self-improvement

Unconditional relationships are the only real relationships

We sit silently. My friend stares deeply into her empty glass, occasionally shuffling the ice around with her straw. “Wow,” she says. I sit and wait for her to say something else. What started out as a festive night somehow became a long, deep discussion about love, what it consists of, and how …

8 minor changes that will make your work and life more enjoyable

I think we are all open to making changes in our lives that make us happier and more successful, but few of us follow-through because committing to something that's going to change our lives is a daunting and massive undertaking, right?<p>Not necessarily.<p>Instead of focusing on huge, radical steps, …

15 Signs That Help Define An Abusive Relationship

Remember: violence isn't just physical.<p>It doesn't even have to be during an argument. And it can be subtle: it's not always a direct phrase, like "Wow, what a dumb thing to say," but the impression is given that you never say anything intelligent and that you are always entirely wrong, no matter …

25 ways to save $250 a month that everyone is messing up

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that you’ve established.<p>At the …